Tell us about your car and how you use it. A verified insurance professional who covers your postal code will get in touch to explain the levels of coverage, what affects your price and what to compare, before you commit.
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Each coverage has its own limits and exclusions. Ask what is and isn't included.
Covers damage and injury you cause to others. Required everywhere, and the limit is worth thinking about.
Covers your own medical costs and some lost income after a crash.
Covers damage to your own car from an accident.
Covers theft, fire, vandalism, weather and hitting an animal.
A replacement car while yours is repaired. Check how many days and which claims.
Help if your car won't start, and add-ons such as accident forgiveness. Check the limits.
Your age, your driving record and any claims.
Its value, power, age, security and how costly it is to repair.
Your postal code, and whether it is kept in a garage, on a drive or on the street.
Commuting, business or pleasure, and how far you drive.
Other drivers on the policy, and their age and history.
Paying monthly often costs more overall than paying annually.
Ask for the licence number and check it with your provincial insurance regulator.
And what it would cost to raise it.
Ask what is excluded, and the limits on any extras.
The deductibles for collision and comprehensive.
The annual total, and whether paying monthly adds a fee.
Any fee, and how the unused premium is refunded.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Two quotes can look the same and cover very different things. You hear what each level covers and what you'd pay towards a claim.
Small mistakes on an application can cause problems at claim time. You hear which answers matter and why.
You get the options explained. Whether to buy, and from whom, is always your decision.
Yes, in every province and territory you need at least basic auto insurance, including third-party liability for injury and damage you cause to others. The minimum amounts and what else is included differ by province, and many people choose a much higher liability limit than the minimum.
In British Columbia, Saskatchewan and Manitoba, basic auto insurance is provided by a public insurer, with private insurers offering optional extra coverage. In Quebec, the public plan covers injuries, and private insurers cover the vehicle and liability. In the rest of Canada, private insurers provide the basic coverage too.
Liability covers damage and injury you cause to others. Accident benefits cover your own medical costs and some lost income. Collision covers damage to your car from an accident. Comprehensive covers other damage, such as theft, fire, vandalism and hitting an animal. Compare what is included and what isn't.
It is the amount you pay towards a claim before the insurer pays the rest. You can often choose a higher one to lower the premium, so make sure you could afford to pay it. Some coverages, such as liability, have no deductible.
Your age, driving record and claims history, where you live, the car, how far you drive, how it is used, and who else drives it. Be accurate with every answer. Wrong or missing information can lead to a claim being reduced or refused, or the policy being cancelled.
Some insurers give discounts for winter tires, and in Quebec winter tires are required in winter. Some also offer usage-based programs that track how you drive in return for a discount. Ask what a program tracks, how it is used and whether it could raise your price.
Common ones are a rental car after a claim, loss of use, roadside assistance, accident forgiveness and coverage for a new car's full value in the first years. Each has limits, so ask what is and isn't included.
Monthly payments are convenient, but they can cost more over the year than paying upfront. Ask for the total cost of each, and whether a fee applies.
You can usually cancel, but the rules differ by province, and the insurer may charge a fee or refund less than the unused part of the premium. Ask what cancelling would cost before you buy, and read your policy.
Complain to the insurer first. If you're not happy with the answer, you can take it to an independent complaints service, such as the General Insurance OmbudService, or in Quebec the Autorité des marchés financiers, or in British Columbia, Saskatchewan or Manitoba, the public insurer's own review process. These services are free to use.
The car's make, model and year or vehicle identification number, your driver's licence details, your claims history, when your current policy renews and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance advice. Any quote or advice comes from the firm that contacts you. Check that an agent or broker is licensed with your provincial insurance regulator before you share personal or payment details.
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